for one, the supply crunch in california is easing. a power outage at one refine three and a fire at another, that had caused prices to spike earlier this months. also, there's a decline in crude oil prices themselves. oil, you remember, makes up a majority of our gasoline prices. those have actually been coming down since the beginning of september. then there's the typical seasonal slowdown that we see after the peak driving season. what's happening is there's less demand which means we don't see stations rising -- raising prices. plus, you've got refiners switching to a cheaper blend of fuel this time of year, the winter blend. they no longer use the cleaner, expensive summer blend. you roll that together, and it brings down gas prices even a little bit. gas analysts that we talked to tell us they expect prices to bottom in the $3.35 to $3.50 range in the next several weeks. we can only hope. mike? >> okay. and i mentioned holiday shopping. yeah, great to have extra cash in our pocket. how much of a difference could it make, though?